Top 10 Cheapest Motorcycles To Insure

Beginner Bikes – Honda Rebel

Unless you’re fresh out of the rider training course, it’s easy to forget about the Honda Rebel, but this little Honda stalwart was consistently the least expensive beginner bike we found during our search, no doubt in part to its modest 234cc engine.

The Rebel’s entirely unassuming presence and ride characteristics give riders and insurance companies alike good reason not to feel in danger. If the cruiser style is not for you, the trio in our recent beginner bike shootout: Honda’s CBR250R, Kawasaki Ninja 300 and Hyosung GT250R are all only marginally more costly than the Rebel, and within a few bucks of each other, depending on provider.

Suggested Readings

Top Insurance Providers

Rider Insurance

Ride with Rider. Rider offers motorcycle insurance for DE, IN, MD, MI, NJ, OH, PA, and VA. We're committed to providing "no hassle" service at the lowest rates possible! Call 1.800.595.6393 or go to www.Rider.com to get an instant price quote or purchase a policy.

Dairyland Cycle Insurance

Whether you ride a Yamaha or Harley Davidson; a Suzuki or a Honda, Dairyland Cycle has the motorcycle insurance coverage options and deductibles that can meet your needs and the payment options that fit your budget.

Get Motorcycle.com in your Inbox

http://www.facebook.com/james.crass James Crass

could’ve picked bikes produced Since 1999 to even out the spread a little (and left out super sports as we all know they are the most expensive, although the mixture is nice, a comparative list comprising of Non-super sport bikes 99-current “could” be more subjective

This has really helped me decide on which motorcycle I want to buy. Living in the Mtn. West, riding a bike is only possible for about half of the year. A motorcycle always has to be your 2nd mode of travel and that’s why finding one that is cheap to insure is huge in my book.

For calendar year 2011, the National Insurance Crime Bureau tracked a number of statistics regarding motorcycle theft, including the top 10 stolen brands and the top 10 states for theft. Those lists can be found elsewhere on this site. Here, we list the top 10 months for motorcycle theft based on the NICB findings. In ascending order, they are:

Recently, we published a story on the least expensive motorcycles to insure. In it, the bikes were broken down by category, knowing that consumers aren’t interested in a list entirely of small-displacement beginner bikes. We also kept the list to current models (2013 in this case) available in the United States.
This time we’re going the other direction. Here we have the Top Ten most expensive motorcycles to insure. Yes, we could have listed ten uber-expensive and super-rare motorcycles which cost a fortune to insure, but in the name of practicality this list is comprised of mass produced 2013 models the majority of folks can actually buy.
Again, we averaged quotes from different insurance providers to come up with our rankings. Our fictitious rider is a 30 year-old male, licensed for ten years, with a clean record living in Los Angeles. As always, shop around with your own and other insurance providers to get rate quotes tailored for you and your situation.

Where you live is one of the most important factors insurance companies use in determining your premium. Why? As with age, experience, the type of bike you ride and every other factor considered in computing your rate, where you live comes into the equation for one simple reason: risk.
Statistics show that some areas have higher crime rates than others. So if a higher crime rate equals a higher risk of damage to or loss of your property, it will cost you more to insure anything you own. And that includes your motorcycle. If your motorcycle resides in a location where statistics prove it’s at a greater risk for damage or theft, insurance companies are going to want you to pay a higher premium for coverage.
Overall, 2011 saw 46,667 motorcycle thefts in the US (including Puerto Rico and Washington D.C.), according to the National Insurance Crime Bureau (NICB). Interestingly, that number is down 6% from the prior year – welcome news, as the Motorcycle Industry Council says total motorcycle sales are on the rise, albeit slightly (0.3%).
The list below shows the Top 10 states with the highest rate of motorcycle theft in 2011 (Total number of thefts and most targeted brand in parentheses). Worth noting: these 10 states accounted for 25,983 thefts in 2011 – fully 56% of the total. If you’re trying to insure a bike in one of these states, expect to pay more. Still, experts say things like keeping your motorcycle garaged and hooking up a recovery system such as LoJack will have a positive effect on your premium.

Motorcycle insurance is a slippery subject. With so many options for coverage, it’s hard to keep track of every kind of policy. However, if you live in the States you gotta have at least bodily injury and property damage liability coverage before legally operating your motorcycle. But getting insurance doesn’t have to break the bank.

We use cookies to improve your experience on this website and so that ads you see online can be tailored to your online browsing interests.
We use data about you for a number of purposes explained in the links below. By continuing to browse our site you agree to our use of data and cookies.
Tell me more |
Cookie Preferences